Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The annual number of car thefts in Downey is 606.
  • Average car insurance rates in Downey, CA for senior drivers are $2,532/year
  • The cheapest car insurance company in Downey after a DUI is Liberty Mutual

Average car insurance rates in Downey, California are $353 a month. But with a little research you can get a great deal from the top car insurance companies in Downey, CA. Before you buy Downey, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Downey car insurance rates with Bakersfield car insurance rates, Los Angeles car insurance rates, or Anaheim car insurance rates to make sure you’re getting the best Downey, CA car insurance quotes available.

Need affordable Downey, CA car insurance? Enter your ZIP code to compare Downey car insurance quotes from multiple car insurance companies near you.

Downey, CA Minimum Car Insurance Coverage

Downey, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Downey, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Downey, CA Car Insurance Rates by Coverage Level

Some Downey drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Downey, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Downey, California

Insurance Company Low Medium High
Allstate $5,070 $5,407 $5,605
Farmers $5,018 $5,451 $5,754
GEICO $2,848 $3,202 $3,443
Liberty Mutual $3,017 $3,297 $3,486
Nationwide $4,912 $5,588 $5,968
Progressive $2,932 $3,344 $3,477
State Farm $4,723 $5,338 $5,681
Travelers $3,458 $4,108 $4,427
USAA $2,643 $2,988 $3,154

Downey, CA Car Insurance Rates by Age, Gender, and Marital Status

Downey, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Downey, CA car insurance, get quotes from multiple car insurance companies in the Downey area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Downey, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,444 $3,443 $2,496 $2,524 $9,604 $12,076 $4,429 $4,869
Farmers $2,941 $2,941 $2,662 $2,662 $9,375 $15,311 $3,486 $3,884
GEICO $1,956 $1,957 $1,839 $1,839 $5,971 $6,070 $2,813 $2,871
Liberty Mutual $2,483 $2,337 $2,323 $2,243 $5,370 $5,765 $2,784 $2,827
Nationwide $3,852 $3,674 $3,374 $3,177 $9,834 $10,870 $4,598 $4,538
Progressive $2,038 $2,099 $1,721 $2,050 $5,431 $6,563 $2,941 $3,165
State Farm $4,129 $4,129 $3,690 $3,690 $7,611 $9,446 $4,571 $4,713
Travelers $2,956 $2,856 $2,606 $2,578 $6,230 $7,106 $3,871 $3,778
USAA $2,095 $1,983 $2,043 $2,050 $4,803 $4,825 $2,896 $2,735

Downey, CA Car Insurance Rates for Teens

How much is Downey, California car insurance for teens? Compare rates from top Downey car insurance companies below to help find the cheapest teen car insurance in Downey, CA.

Annual Car Insurance Rates for Teen Drivers in Downey, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,604 $12,076
Farmers $9,375 $15,311
GEICO $5,971 $6,070
Liberty Mutual $5,370 $5,765
Nationwide $9,834 $10,870
Progressive $5,431 $6,563
State Farm $7,611 $9,446
Travelers $6,230 $7,106
USAA $4,803 $4,825

Downey, CA Car Insurance Rates for Seniors

Before seniors buy Downey, California car insurance, they should make sure to shop around. Some Downey, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Downey, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,496 $2,524
Farmers $2,662 $2,662
GEICO $1,839 $1,839
Liberty Mutual $2,323 $2,243
Nationwide $3,374 $3,177
Progressive $1,721 $2,050
State Farm $3,690 $3,690
Travelers $2,606 $2,578
USAA $2,043 $2,050

Downey, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Downey, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Downey.

Annual Downey, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,212 $5,448 $8,557 $4,226
Farmers $4,000 $5,446 $6,779 $5,406
GEICO $2,210 $3,423 $4,283 $2,742
Liberty Mutual $2,836 $3,796 $3,429 $3,005
Nationwide $3,824 $4,908 $8,318 $4,908
Progressive $2,126 $3,614 $4,198 $3,066
State Farm $3,745 $4,466 $8,433 $4,346
Travelers $2,632 $4,368 $5,064 $3,927
USAA $1,943 $2,898 $4,743 $2,130

Downey, CA Car Insurance Rates With a DUI

Even a single DUI can increase your Downey, CA car insurance rates. Compare rates below to see which Downey car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Downey, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,557
Farmers $6,779
GEICO $4,283
Liberty Mutual $3,429
Nationwide $8,318
Progressive $4,198
State Farm $8,433
Travelers $5,064
USAA $4,743

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Downey, CA Car Insurance Rates by ZIP Code

Just like Downey car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Downey, CA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Downey, California

ZIP Code Average Annual Rates
90240 $5,918
90241 $5,836
90242 $5,619

Downey, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Downey, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Downey companies based on commute time.

Annual Car Insurance Rates by Commute Length in Downey, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,832 $5,889
Farmers $4,906 $5,910
GEICO $2,874 $3,455
Liberty Mutual $2,997 $3,536
Nationwide $4,844 $6,135
Progressive $2,949 $3,553
State Farm $5,056 $5,439
Travelers $3,590 $4,405
USAA $2,698 $3,159

Downey, CA Cheapest Car Insurance Rates

How do the top Downey, California car insurance companies’ average rates stack up against the Downey average monthly car insurance rates of $353? Take a look and see.

Best Annual Car Insurance Rates by Company in Downey, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Downey, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Downey, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Downey, California

Insurance Company Average Annual Rates
Allstate $5,361
Farmers $5,408
GEICO $3,165
Liberty Mutual $3,266
Nationwide $5,490
Progressive $3,251
State Farm $5,248
Travelers $3,998
USAA $2,929

Other Factors Affecting Downey, CA Car Insurance Rates

Before you buy Downey, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Downey, CA Car Theft Rates

The car theft rate in Downey, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Downey, California is 606 stolen cars.

Downey, CA Commute Time

How does your Downey, CA commute time compare with the average driver? In Downey, the average commute is 31.4 minutes.

Downey, CA Car Insurance Quotes

Compare Downey, CA car insurance quotes from multiple companies by entering your ZIP code now.